Well then, let’s press the OP for more info.
We do know the car will be operated in the Bay Area of CA, so the price of gas in Peoria is irrelevant to this particular situation. Electricity rates are an unknown at this point.
The Clarity offers the option of gas, electric or gas/electric. Which ever is most efficient, cost wise, can be used to the fullest. If gas prices drop significantly, gas can be used. If gas prices rise, electricity can be used. We have little control over the cost of either. We have options with the Clarity.
A Clarity using gas in HV mode at 42mpg will use 50 more gallons per 20,000 miles than an Accord Hybrid at 47mpg. That’s $100 or so if gas hits $2/gal. Currently in CA regular gas is ~$3-3.25/gal. Should gas hit $2/gal a BEV might fall into the poor choice category.
Oops, almost forgot, the OP never mentioned a BEV as an option.
A Clarity purchased in CA also qualifies for Federal and state incentives, and in some areas, additional incentives from Power Companies. And carpool stickers. There are many reasons to consider the Clarity PHEV a “better, more efficient, ideal” vehicle compared to an Accord Hybrid.